We have a client who purchases football season tickets in their business name and provides to client. They had a question. If a client who they gave their tickets to was hurt at a game, would the ISO general liability policy provide defense and protection if they were named in a lawsuit?

There was a recent incident after a Pittsburgh Steelers game where a fan fell from the escalator and was severely injured. Our client had a concern if someone using their tickets were hurt at the game that they could be sued and asked us how we believe the policy would apply.

My opinion is that the CGL would not defend and protect. In my mind, where is the negligence on the part of our insured. Thoughts?